government's faulted, think about what fannie and freddie was set up, socialist goal, created under president clinton in 1992 with cisneros. causing fannie and freddie to expand homeownership to just about anyone with a heart beat, with a driving force, they bought the mortgages off of the books of the banks, they prodded banks to sell mortgages to certain people with certain credit scores, they were a quasi public company, the government funded them, they were known as a government-sponsored enterprise. neil: and they had friends at the white house. >> and friends at the white house. neil: i can see if you absolve them from any punishment. but, to then have home get rewards? that is weird. >> that is the perverse part of this, this is a public relations game, obama administration has done this astutely equating j.p. morgan as the culprit for the financial crisis in this case, bank of america. neil: done the same institutions have a lot of other -- the source of this, liabilities. >> bank of america, clearly, was asked by federal government, prodded to buy countrywide, countrywide. neil: the source o